With a majority of business owners focused on the day to day running of their business and its profitability, few take the time to understand the potential risks they could face should an owner/key employee die of suffer a critical illness. That’s why Legal & General...

TMW has developed a handy new guide to the tax relief changes for landlords for you to consider. The new guide can help you understand if you’ll be impacted by the changes being phased in from 6 April 2017. Also see the calculator we published on 21 September – click...

Tax relief changes for landlords are being phased in from April next year and could impact landlords’ profits. There’s an easy way to understand if you are affected – by using TMW’s simple calculator. Click the image to download tax relief calculator.

The Mortgage Works is the first lender to tighten-up its lending criteria for buy-to-let mortgages following new guidance from the FCA. From 11 May the lender’s rental coverage requirement will increase from 125% to 145% and the maximum loan-to-value allowed will be reduced...

To help landlords and potential landlords to deal with the changes, Kent Reliance have collaborated with Ernst & Young LLP to produce an exclusive report that explains the changes and their potential impact. Click here to view

L&G’s latest 2014 research shows that without an income, people in the UK have on average just 29 days to the breadline. KEY FINDINGS AT A GLANCE The infographic above gives a quick overview of some of the key findings which include: 29 days – Average UK household...

Legal & General has been researching the value of a parent for over 30 years. Parents may tend to take their wages into account when deciding on a level of cover, but they often don’t consider the unpaid domestic work they do. L&G’s research puts an average...

Lenders will usually lock you in for the initial deal period of a tracker or fixed rate mortgage with an early repayment charge (ERC). With ‘no ERC’ mortgages, you will be able to repay the loan at any time without forking out for an ERC. There will probably still be...

When it comes to choosing a mortgage your choice is essentially between a variable rate – one that can change – and a fixed rate, which will not change for a certain period of time. Tracker and variable rates There are typically two types of variable rate mortgage:...

Capital and interest: Otherwise known as a repayment mortgage. You make a payment to the lender each month which is made up of capital and interest, keep paying this amount for the life of the mortgage and by its end your debt will be cleared and you own the property outright....

Getting the right mortgage is about more than just seeking out the lowest rate and it’s important to shop around. Some of the lowest rate schemes can carry big arrangement fees, whereas other schemes can carry smaller or no fee or offer help with other costs like valuation fees...

Are your finances in order? How much can you afford for a deposit? To get the best deal you need to make sure your finance is in order. The better your credit rating and bigger your deposit, the more options you will have when looking for a good mortgage deal. Your first move...

Help to Buy comes in two parts – a deposit-boosting interest-free equity loan for those buying a new-build home costing up to £600,000 and a guarantee scheme to encourage mortgage lenders to take on those with small deposits. Equity Loan The first part of Help to Buy offers...

The Treasury has announced details of the new Help-to-buy ISA. Barclays, Lloyds Banking Group, Nationwide, NatWest, Santander, and Virgin Money will be offering Help to Buy: ISAs from 1 December. Savers will be able to put away up to £200 a month in the Help to Buy: ISA that the...

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.Whilst MortgageAbility does not charge for mortgage advice, please note that there will be an administration fee for arranging mortgages. The precise amount will depend upon your circumstances but we estimate it will be £395, payable on completion. MortgageAbility gives you the option to pay a non-refundable fee of 1% of the mortgage loan payable with the application. If this option is taken, MortgageAbility will refund any commission received from the lender.

MortgageAbility is a trading name of Syncrus Ltd, which is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. Syncrus Ltd is a company registered in England and Wales with company number 3911001. The registered office is Quay House, Quay Road, Newton Abbot, Devon,TQ12 8BUMortgage Advice | Mortgage Brokers | Mortgage Advisors | Buy to let Mortgages | Newton Abbot | Devon | Sitemap

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